I think this is an under-appreciated piece of UX.

Authy get it, they prompt you to enter your backup password, just to check you know it, but you can skip so it doesn't get in your way when you're in a hurry.

I have one bank that never re-prompts for their passcode, and I've been locked out of the app since I got a new phone and put the wrong code in; because they name everything differently from all the other banks too. N.B. I can see the same accounts via my business login and phoning them is pain, so...